inchester Insurance, Inc.
inchester Insurance, Inc.
Act of God - This is an accident or event that is unpreventable and is the result of natural causes such as lightning or floods.
Actual Cash Value (ACV) - This is the replacement cost of your damaged or lost property at the time of the loss minus the depreciation.
Replacement Cost - The cost to replace the property on the same premises with other property of comparable material and quality used for the same purpose.
Catastrophe - A severe disaster that causes a major or total loss unexpectedly and suddenly.
Fire insurance - Part of your homeowners insurance policy that insures against losses due to fire, lightning and other causes defined in the contract.
Depreciation - The decrease in value of any property over a period of time.
Deductible - The amount of money the policy holder is responsible for when filing a claim on their fire or homeowners insurance policy.
We offer personalized service for:
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Homes
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Condos/Townhomes
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Contents for Renters
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Rental Homes
Our staff would be pleased to assist you with
the following:
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Making sure you are provided with sufficient
coverages to suit your needs
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Quotes from several companies to provide
comparisons
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Friendly reminders when payments are due as well
as contact with mortgage companies for payments
from escrow accounts
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Close follow-up and quick reporting of claims
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Several agency preferred companies for
Emergency Restoration, 4-point inspections, and
wind mitigation inspections
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Assignment to a personal lines agent
For infomation on preparing for a hurricane, click here.
